Elk Grove Village, IL · Cert 3657 · First American Bank Corp.
State charter, non-member · FDIC · 58 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.7% share · #21 of 147 inst. · $4.2B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.37% | 1.30% | 1.27% | 1.39% | 1.44% | 1.19% | 1.21% | -6 bps | |
| Return on Equity | 16.39% | 16.87% | 16.06% | 16.43% | 18.07% | 17.49% | 14.12% | 14.74% | -169 bps | |
| Net Interest Margin | 3.77% | 3.64% | 3.55% | 3.51% | 3.53% | 3.56% | 3.37% | 3.34% | -18 bps | |
| Efficiency Ratio | 56.00% | 57.46% | 59.03% | 56.51% | 54.39% | 56.33% | 59.24% | 57.39% | +88 bps | |
| Non-Interest Burden | 1.89% | 1.84% | 1.89% | 1.78% | 1.69% | 1.82% | 1.78% | 1.69% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.85% | 11.82% | 8.84% | 14.62% | 11.07% | 9.80% | 5.11% | 6.38% | -823 bps | |
| Loan Growth (YoY) | 6.67% | 9.73% | 6.37% | 5.41% | 5.76% | 6.13% | 6.98% | 9.37% | +397 bps | |
| Deposit Growth (YoY) | 3.54% | 4.59% | 4.87% | 2.89% | 1.52% | 1.00% | 3.87% | 10.63% | +773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.52% | 0.31% | 0.40% | 0.40% | 0.82% | 0.91% | 0.60% | +20 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.12% | 0.16% | -0.01% | 0.09% | 0.05% | 0.01% | -0.03% | -2 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.35% | 1.39% | 1.39% | 1.33% | 1.35% | 1.36% | -3 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.7x | 4.3x | 3.5x | 3.5x | 1.6x | 1.5x | 2.3x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.34% | 7.55% | 7.53% | 7.16% | 7.29% | 7.75% | 7.82% | 7.58% | +42 bps | |
| Total Risk-Based Capital | 14.26% | 14.47% | 14.62% | 14.06% | 14.67% | 15.28% | 15.35% | 14.80% | +74 bps | |
| Equity / Assets | 8.02% | 8.19% | 8.00% | 7.49% | 7.92% | 8.49% | 8.37% | 8.05% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.92% | 59.46% | 59.39% | 61.66% | 61.38% | 62.48% | 61.17% | 60.96% | -70 bps | |
| Liquid Assets / Assets | 0.68% | 1.56% | 1.31% | 0.61% | 0.56% | 0.84% | 0.78% | 0.92% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.74% | 186.87% | 184.29% | n/a | n/a | |